Rating based on 9 reviews

Credit Union SA

  • Credit union loans up to $150,000
  • Low-interest starting from 8.99%
  • Repayment up to 60 months

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Credit Union SA homepage
Author Credit Union SA. Screenshot of Credit Union SA website.
[Accessed May 26, 2023]

About Credit Union SA

With more than 140 employees in the South of Australia and, over 50,000 members, Credit Union SA is a force worth joining. They are one of the top 3 credit unions in Australia and have been operating under this name for just over 8 years.

This credit union offers lower rates on everything from home loans to transactional accounts and has made an effort to keep things simple, effective and affordable. They have also received a number of awards for their loan products from loan comparison sites like Mozo.

What happens to their profits

Any profit generated by Credit Union SA is reinvested into the union by lowering interest rates, lowering fees on financial products like transactional and credit cards and, on improving everything from banking platforms to customer service efforts.

Investing in South Australian Communities

In addition to reinvesting profits to benefit members, Credit Union SA also invest into South Australian communities and initiatives.  

Credit Union SA Services

In 2016, Credit Union SA won both Mozo’s Expert Choice Awards for both their car loan and secured personal loan products. If you are looking to buy a car their finance option is very affordable and can cover the cost of buying both a new or used vehicle.

Benefits of their loans:

  • You get the lowest rates on the market
  • Benefit from the lowest fees in the country
  • Repay early with no penalties
  • Make extra loan payments
  • Redraw these extra loan repayments when you wish
  • Flexibility to pay when you prefer

Home loans

If you’re looking to buy your very first home or are looking to refinance and save – Credit Union SA offers a range of low rate, competitive and flexible home loan options.

Credit Union SA – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 8.99%
  • Loan Amount up to $150,000
  • Repayment 30 days to 60 months

Benefits of Credit Union SA

  • Choose between a wide range of loan products
  • Get a loan up to $150,000
  • Very low interest starting from 4.64%

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This credit union loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Become a member of Credit Union SA, apply online

If you’re a South Australian and are tired of the profit-driven banks than you’ll certainly want to apply to become a member of a credit union like this.

Credit Union SA has tried to make it simple and easy to become a member – whether you’re looking to get more from your investments or to get a debt consolidation loan to tidy up your finances – they want to help you do it.

Unmatched transparency

As a credit union, you will find that this banking alternative offers you a level of transparency and flexibility that no other bank or lender ever could. With them, you will know exactly what you’re paying and why you’re paying it.

Everything you could ever need

Credit Union SA offers customers everything that a typical bank does at lower fees and rates with better customer service. They offer everything from personal loans to foreign currency services and insurance.

How to apply

You can apply for membership online and instantly open an account, however, you will have to then proceed to a local branch and arrange to meet with one of their managers to discuss your needs and goals and to complete your application. In addition, they have made a range of resources available to help inform consumers as well as get them up to speed with what’s going on in the financial world.

Other products from Credit Union SA

In addition to the above award-winning products offered by this credit union, you can also get low-rate comprehensive insurance.

This includes travel insurance, home contents insurance, car, bike and boat insurance as well as health insurance.

man holding thumbs up

Credit Union SA is a trusted & reliable provider of credit union loans

In our review, Credit Union SA adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Credit Union SA is a registered credit provider in Australia: ACL 241066

Customer Reviews & Testimonials

December 2018

Whatever your financial needs are you are guaranteed to find the solution here at Credit Union SA. Everything from loans to savings accounts and insurance – they have it all. They are now my one ...

Gillian F
— Dampier —

April 2019

Credit Union SA offers fast turnaround times that will put a smile on your face – I know it did on mine. I did not have to wait for days to get the response I needed but rather got a response wit...

Harry J
— Geraldton —

Credit Union SA Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 8.00am – 6.00pm
  • Tuesday 8.00am – 6.00pm
  • Wednesday 8.00am – 6.00pm
  • Thursday 8.00am – 6.00pm
  • Friday 8.00am – 6.00pm
  • Saturday 8.00am – 2.00pm
  • Sunday – Closed